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Truist Enjoy Beyond Credit Card vs USAA Preferred Cash Rewards
Both are well-respected travel cards. The Truist Enjoy Beyond Credit Card comes from Truist at $95/yr; the USAA Preferred Cash Rewards from USAA at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Truist Enjoy Beyond Credit Card | USAA Preferred Cash Rewards |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | 30,000 bonus points | $250 cash bonus |
| Bonus value (est.) | $300 | $250 |
| Min spend to unlock bonus | $1,500 in 3 mo | $1,000 in 3 mo |
| Issuer | Truist | USAA |
| Card category | travel | cashback |
| Best earning category (Travel) | 3x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Truist Enjoy Beyond Credit Card
$95/yr · 30,000 bonus points
Read the full review
USAA Preferred Cash Rewards
$0/yr · $250 cash bonus
Editorial take: USAA Preferred Cash Rewards
Common questions
- Which card has the bigger sign-up bonus, Truist Enjoy Beyond Credit Card or USAA Preferred Cash Rewards?
- The Truist Enjoy Beyond Credit Card has the bigger bonus, 30,000 bonus points, worth roughly $300, versus $250 cash bonus (~$250) on the USAA Preferred Cash Rewards.
- Is the Truist Enjoy Beyond Credit Card's $95 annual fee worth it compared to the USAA Preferred Cash Rewards?
- At $95/yr, the Truist Enjoy Beyond Credit Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the USAA Preferred Cash Rewards's, pick the one whose perks you'll actually use.
- Can I have both the Truist Enjoy Beyond Credit Card and USAA Preferred Cash Rewards?
- Yes, since they're from different issuers (Truist and USAA) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Truist Enjoy Beyond Credit Card or the USAA Preferred Cash Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Truist Enjoy Beyond Credit Card: $1,500 spend in 3 months. USAA Preferred Cash Rewards: $1,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.